What is learner driver insurance?

Whether you’re practising in your own car or someone else’s, you’re going to need insurance cover. Here’s the lowdown on learner driver insurance policies.

Did you know?
If you’re only going to be learning under the tuition of a qualified instructor, in his or her vehicle, then you don’t need to take out a learner driver insurance policy. Insurance cover will already be in place, with the cost included in the fee you pay for your lessons.

Fear not – there’s nothing particularly complicated about learner driver insurance policies.

Essentially, a learner driver insurance policy is exactly the same as standard car insurance policies. The quote you receive is based on the information you give, and the policy then provides you with insurance cover for the car you’re driving, should you be involved in an accident.

The key difference is that your learner driver policy will automatically come to an end the moment you pass your practical driving test.

At this point, you’ll need to take out a standard policy for your car, or become a named driver on the policy of the person who owns the car you’re going to be driving.

The benefits of learner driver insurance policy

Did you know?
It’s a legal requirement to display an official ‘L plate’ on the front and back of the car that you’re learning to drive or practising in – otherwise you could end up with six penalty points before you’ve even passed your test!
  • They’re cost effective, with fees from under 85p per day.
  • There’s lots of flexibility and choice, so you can choose the policy that works best for you. For example, many insurers offer short-term policies of just a month or two, as well as longer six- or 12-month policies. You can even pay by the day in some cases.
  • Some learner driver insurance providers may offer you a discount on a standard policy if you stay with them once you’ve passed your test.
  • Some learner driver policies will allow you to build up a No Claims Bonus of your own. This will prove invaluable in reducing your premiums when you start applying for standard policies.
  • You can take out one of these policies even if you don’t have your own car. The policy will operate alongside the existing policy of the friend or relative whose car you’re using for practice. This way, the car owner’s precious No Claims Bonus will be unaffected if you’re involved in an accident while driving. Phew!
Don't forget!
Having a learner driver insurance policy doesn’t mean you can drive without supervision! Read our guide to supervising a learner driver.

Learn more about your insurance options as a provisional licence holder.